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Job Title: Branch Credit Manager – IL Focused (with HL & LAP Knowledge)Company: Premium Finlease Pvt. Ltd. Location: Hisar, Hansi , Bhiwani Employment Type: Full-TimeJob SummaryPremium Finlease Pvt. Ltd. is looking for a dynamic and results-driven Branch Credit Manager with core expertise in Individual Loan (IL) products and a working knowledge of Housing Loans (HL) and Loan Against Property (LAP). The ideal candidate will be responsible for leading credit appraisal, underwriting, and portfolio quality for IL customers, while ensuring basic compliance and review of HL and LAP proposals. The role involves cross-functional collaboration, customer engagement, and continuous risk monitoring to drive healthy portfolio growth at the branch level.Key Responsibilities1. Credit Appraisal & UnderwritingIndependently evaluate and underwrite Individual Loan proposals based on income, cashflow, household profiling, and bureau analysis.Conduct preliminary risk assessments for HL and LAP proposals and escalate complex cases to senior credit.Ensure credit decisions align with internal IL policy frameworks and regulatory requirements.2. IL Portfolio Ownership & Risk ManagementOwn and monitor the entire IL loan book performance of the branch, ensuring high collection efficiency and early NPA detection.Conduct household visits and verify borrower details where required.Recommend portfolio-level actions for high-risk IL segments and implement control measures.3. Documentation & ComplianceEnsure complete and compliant documentation for all IL disbursals; verify key property or income documents for HL/LAP.Follow RBI and NBFC regulatory guidelines on KYC, underwriting norms, and credit file integrity.Maintain updated logs for all approvals, deviations, and declined IL cases.4. Branch Credit LeadershipLead and guide the credit team in IL segment underwriting, collection risk flags, and disbursement eligibility.Provide guidance on HL and LAP file handling and train new team members on IL credit criteria.Coordinate with operations, sales, and compliance teams for smooth IL file movement.5. Customer & Stakeholder ManagementEngage directly with IL customers in high-ticket or high-risk cases to assess intent and repayment capacity.Liaise with sales team to improve sourcing quality and reduce IL application rejection rates.Handle escalations or field investigations for IL customer disputes or fraud suspicion.6. Reporting & StrategyGenerate branch-level IL reports for PAR, flow-through, disbursal trends, and approval TAT.Provide insights to senior credit team on IL customer behavior, regional risk pockets, or product fit.Recommend policy tweaks or process automation based on on-ground IL experience.Qualifications & RequirementsEducation: Bachelor's degree in Commerce, Finance, or a related field. MBA/CA/CFA preferred.Experience:Minimum 5 years of experience in NBFC or banking, with at least 3 years in IL credit underwriting or appraisal.Hands-on exposure to HL/LAP underwriting basics is required, though not the primary expertise.Skills:Proficient in credit bureau analysis, field credit appraisal, risk segmentation.Knowledge of MS Office, credit scoring models, and IL loan origination systems.Strong interpersonal, analytical, and team mentoring skills.Key CompetenciesDeep understanding of Individual Loan customer segments in semi-urban and rural markets.Risk-oriented mindset with business acumen to balance growth and quality.Familiarity with HL and LAP underwriting fundamentals, collateral evaluation, and regulatory considerations.Ethical decision-making and responsible credit judgment.Why Join UsLead the IL credit engine at the branch with autonomy and high visibility.Drive impactful financial inclusion through high-touch lending models.Work in a collaborative culture that values discipline, transparency, and execution.Competitive pay, performance-linked incentives, and long-term career growth.Screening QuestionsHave you worked in credit roles within an NBFC or bank for at least 4-5 years?Do you have 3+ years of Individual Loan credit underwriting experience?Are you familiar with the basics of HL and LAP evaluation?Let me know if you'd like this in a Word format or need it adapted for a hiring portal or LinkedIn post.